As a Certified Divorce Lending Professional, my practice is Divorce Mortgage Planning. This is not a loan product or a mortgage application. It is the analysis that sits underneath the property and debt decisions in a divorce: what the equity solutions actually are for each party, whether the proposed settlement will support financing once the decree is entered, how support, timing, and title language affect qualification, and where the settlement, the mortgage, and the real property contradict one another. I bring that analysis to the divorce team while the terms are still open, because after the agreement is signed, the language is what everyone has to live with, and financing has to conform to it rather than the other way around.

My role as a Certified Divorce Lending Professional (CDLP®), is to help integrate the mortgage selected into the overall long and short-term financial and investment goals, strategically minimizing taxes and interest while maximizing cash flow. I understand that divorce is a significant life event that can have profound financial consequences, particularly when it comes to mortgages and real estate assets. Traditional mortgage guidelines change when divorce is present, and many individuals may not realize the far-reaching implications in these areas. By engaging with me and integrating divorce mortgage planning into the process, you ensure that this often-overlooked aspect is properly addressed during divorce proceedings. I collaborate closely with attorneys, mediators, and financial advisors, working hand in hand with the divorcing families to gather financial information. Together, we craft tailored mortgage solutions through a Divorce Mortgage Analysis that aligns perfectly with the family's home equity solutions and overall needs.

A Divorce Mortgage Analysis is a detailed examination of real estate assets and mortgage obligations during a divorce, with the goal of facilitating a fair and equitable distribution of property between the divorcing parties. The analysis takes into account legal, financial, and practical considerations to arrive at a resolution that aligns with the court orders and the interests of both parties involved.

The partnership between a CDLP® and the Divorcing Client can be a game-changer during divorce proceedings. My financial expertise, customized solutions, and compliance assurance help divorcing couples navigate the intricate world of mortgages with confidence and clarity, ultimately paving the way for a more stable financial future post-divorce. How are you integrating divorce mortgage planning into your case management?

Education & Certification: 
Certified Divorce Lending Professional 
Certified Reverse Mortgage Professional 
Certified Liability Advisor 
NMLS #190629
Bachelor’s degree in finance 

Organizations:
Collaborative Family Law Professional Inc. 
Amicable Divorce Network 
American Bar Association 
 

Connect with us on social: linkedin.com/in/alex-sanchez-b5870337